- Who is Klarna:
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of smooth payments to more than 200,000 online stores. Over 85 million consumers worldwide have trusted Klarna to securely handle their payments.
- How does Pay later in 3 interest-free instalments work?
Pay later in 3 interest-free instalments will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by Aspinal of London, instalments 2 and 3 are scheduled 30 and 60 days later, respectively. You can always monitor your payments’ schedule in the https://apps.apple.com/gb/app/klarna/id1115120118
- Am I eligible for Pay later in 3 interest-free instalments?
To use Pay later in 3 interest-free instalments you must be at least 18. Whilst this option is widely promoted, Pay later in 3 interest-free instalments is subject to your financial circumstances. When choosing Pay later in 3 interest-free instalments, our assessment will not affect your credit rating.
- What do I need to provide when I make a purchase?
If you would wish to make a purchase with Klarna using Pay later in 3 interest-free instalments, you will need to provide your mobile phone number, email address, current billing address and a debit or credit card. The mobile number is required in case we need to reach you, all communications will be sent to your email address. It is very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information
- Will a credit search take place against me?
Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor Aspinal of London run credit searches against you that could impact your credit rating.
- What are my payment options with Klarna?
Payment for your Pay later in 3 interest-free instalments will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment. You can always monitor your payments’ schedule in the Klarna app.
- What happens if I cancel or return my order?
As soon as we, Aspinal of London, have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due. The return will be reflected in the Klarna app immediately.
- What happens if I do not pay for my order?
Klarna will automatically attempt to collect your payment for your Pay later in 3 interest-free instalments purchase at Aspinal of London from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment and you can always monitor the due date in Klarna app at your convenience. Your credit score will not be impacted by using Klarna’s ‘Pay later in 3 instalments’ product even if you have failed to pay on time.
- Is my payment information safe?
We can confirm payment information is processed securely by Klarna. No card details are transferred to or held by Aspinal of London. All transactions take place via connections secured with the latest industry standard security protocols.
- Can I pay before the due date?
We can confirm you are able to pay before the due date but visiting the Klarna app or logging onto Klarna.com/uk and pay off early.
- Have you received my payment?
Klarna will notify you via email and push notification from the Klarna app when a payment is due and when this has successfully been collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments in the Klarna app or by logging in at www.klarna.com/uk.
- What happens to my statement when I have returned the goods?
Once we, Aspinal of London, have received the return (partial or full) and you have received our confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments. You are always able to monitor the status of your order in the Klarna app.
- I have received a statement, but I have not yet received my goods.
If your goods have not been received please call our customer service team at Aspinal of London to check on your order and delivery status. You can also contact Klarna’s Customer Service so that they can postpone the due date on your payment or put the order on hold in the Klarna app while you wait for the goods to arrive.
- I have cancelled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.
- I have asked for a refund. How will I be refunded?
We can confirm all refunds will be issued back on to the debit or credit card which was originally entered at checkout.
- I have not received an email with my statement/payment information.
We kindly advise you to log onto your Klara app or visit www.klarna.com/uk, where you will find all your order/s and your payment schedule information.
- I still have questions regarding payment, how can I get in touch?
We kindly advise you to visit your Klarna app or Klarna’s Customer Service page for a full list of FAQ’s, live chat and telephone options.